Need to understand how residual based financing works? Watch our recent educational webinar series, which explains the basics, how it helps with vehicle affordability and how AFG’s programs compare to other options.
The opportunity for lenders: roughly 25-30% of borrowers choose residual based financing.
Your borrowers are likely already using this type of financing. The AFG program enables you to recapture these loans you are currently losing to the competition.
Plus, with residual based financing, your financial institution earns a higher yield because the loan amortizes to the residual value, producing higher average daily balances. Offering this option can produce a greater return and help boost your financial institution’s profitability.
What is it like to offer the program? Hear directly from lenders currently using it.
Partner with a company with over 25 years of experience in the industry
Founded in 1999
Facilitated 110,000+ loans
150 lender partners nationwide
Want to know what it’s like to work with us?
Hear testimonials from current AFG partners.
AFG’s Latest News and Resources
[AFG Driving Insights] May 2026
May 2026 Auto Finance Trends 🚘 America’s Pandemic Car Bubble Is Now Trapping Buyers in Debt Negative equity is rising fast: About 30% of trade-ins are underwater, with balances up 40%+ since 2021. {{{dynamic_content_836}}} helps break the cycle with lower, more affordable payments so borrowers don’t have to keep rolling thousands into the next loan. 🚘 Used-car…
Auto Financial Group Announces Q1 2026 Results
Houston, Texas – Auto Financial Group (AFG), one of the nation’s leading sources of residual based financing and vehicle remarketing for financial institutions, announced results for Q1 2026 today. In the first quarter of 2026, AFG signed four new credit unions to its Walk-Away Balloon Lending Program: Advantage Federal Credit Union, Ancorum Credit Union, Gulf…
[AFG Driving Insights] April 2026
[ April 2026 Auto Finance Trends 🚘 Average Amount Financed for New-Vehicle Purchases Hits Record $43,899 in Q1 2026, According to Edmunds Rising vehicle costs continue to reshape the auto finance landscape. According to Edmunds, the average amount financed for new vehicles reached a record $43,899 in Q1 2026, underscoring ongoing affordability challenges. As payments climb,…
[AFG Driving Insights] March 2026
March 2026 Auto Finance Trends 🚘 More Than 1 in 5 New Car Buyers in the U.S. Are Taking Out Loans of 84 Months or Longer “As per usual, the majority of folks purchasing new cars these days are financing them, but the length and rate of these loans has skyrocketed. The average payment for new-vehicle…
[AFG Driving Insights] February 2026
February 2026 Auto Finance Trends 🚘 Car buying remains a high priority for U.S. consumers, Transunion says According to recent data from TransUnion, nearly 4 in 10 consumers say buying a vehicle is still a top priority, even as affordability pressures continue to rise. People still need cars, but they need smarter ways to pay…
[AFG Driving Insights] January 2026
January 2026 Auto Finance Trends 🚘 Affordability limits are capping how many buyers can transact in 2026. “Fewer shoppers can realistically transact at ~$50K prices, ~6.6% rates, and $750+ payments.” 🤦♀️ 🤦♂️ 🚘 Edmunds: More than 26% of Q4 used- & new-car deliveries backed by monthly payments topping $1,000 A record number of vehicle buyers…
[AFG Driving Insights] December 2025
December 2025 Auto Finance Trends 🚘 American Consumers Lose Patience With High Car Prices American consumers are feeling the impact of persistent high vehicle prices, as highlighted in this Wall Street Journal article. 🚘 Used Car Price Trends for December 2025 Used cars costing more than new ones? The market’s flipped. According to CARFAX’s Used…
[AFG Driving Insights] November 2025
November 2025 Auto Finance Trends 🚘 Credit Unions Eye Gen Z Auto Lending to Drive Growth Gen Z is redefining what affordability means in auto lending. With vehicle prices at record highs, AFG’s programs help your credit union attract younger borrowers by offering payments up to 40% lower than conventional financing. 🚘 Used-car prices this month…
Auto Financial Group Announces Q2-Q3 2025 Results
Houston, Texas – Auto Financial Group (AFG), one of the nation’s leading sources of residual based financing and vehicle remarketing for financial institutions, announced results for Q2-Q3 2025 today. In the second and third quarter of 2025, AFG signed six new credit unions to its Walk-Away Balloon Lending Program, including: Allied Federal Credit Union, Baptist…
[AFG Driving Insights] October 2025
October 2025 Auto Finance Trends 🚘 New car transaction prices break $50,000 barrier for first time ever — KBB “Record-high new-vehicle prices underscore ongoing affordability challenges.” AFG’s programs help your institution provide affordable vehicle financing when borrowers need it most. 🚘 Old is in as affordability drives shoppers to low-priced aging vehicles, report says The lack…